Simple. Fast. Flexible Financing.®

Play Video

Ready to apply? Let's get started.

Ready to apply? Let's get started.

Current Rates

Financed AmountTermFixed RateVariable Rate
$200,000+2–3 years6.75%7.50%
 4 years6.75%7.50%
 5 years6.75%7.50%
 6–7 years6.85%7.50%
$75,000–$199,9992–3 years6.85%7.75%
 4 years6.85%7.75%
 5 years6.85%7.75%
 6–7 years6.95%7.75%
$25,000–$74,9992–3 years6.95%8.00%
 4 years6.95%8.00%
 5 years6.95%8.00%
 6–7 years7.05%8.00%
$5,000–$24,9992–3 years7.25%8.50%
 4 years7.25%8.50%
 5 years7.25%8.50%
 6–7 years7.35%8.50%

Dealership

Purchase or Refinance

  • New & Used Equipment
  • Not available: Under $5K
  • Under $10K: 2 to 5 year term only

Lease

  • New & Used Equipment
  • Not available: Under $10K
  • Not available: Variable rates*

Titled Equipment

  • New & Used Titled Equipment
  • Purchase or Refinance
  • Not eligible for leases
  • 2 to 5 year term options

Auction & Private Party

Purchase or Refinance

  • Used Machinery & Titled Equipment
  • Sales price minimum of $25,000
  • Irrigation equipment not eligible
  • Titled equipment is not eligible for leases

Downloads + Calculator

Calculator Download Rates Download Lease Residuals

Specials

Celebrate AgDirect’s 25th with 0.25% off standard lease rates.

  • Just Lease It for new and used equipment - FPO and PRO leases (minimum $25,000 required).

Lock in a low lease payment with AgDirect's special lease residuals.

  • Combine It Program for Combines - PRO and PUT residuals on new and up to 10-year-old (2013 or newer) combines.
  • Plant It Program - FPO, PRO and PUT residuals on new and used planters, drills, air seeders, air carts and toolbars.
  • Spray It Program - FPO, PRO and PUT residuals on new and used sprayers (no floaters).
Download Special Programs

 

Rates effective June 01-30, 2023. *All rates and terms are subject to credit approval. Free fixed-rate lock for 0 to 45 days. Applications not funded within 45 days of application date are subject to rate change. Contact AgDirect® for rate locks greater than 45 days. **Variable rate is based on the Prime Rate plus or minus a fixed spread. This is subject to change as the Prime Rate changes. Variable rate not available for leases.
AgDirect® reserves all rights to cancel or change rates and terms at any time and without notice. Rates outlined herein are for informational purposes only. The final rate for each transaction will be set forth in the financing documents signed by the customer.
DOCUMENTATION FEES: The maximum documentation fee (i.e., origination fee, document fee, processing fee, application fee, closing fee, or similar fee) for each AgDirect® transaction shall be the lesser of $300 or the amount allowed under applicable state law. All such fees for an AgDirect transaction shall be disclosed on the AgDirect financing documents or Farm Credit Leasing Services Corporation (“FCL”) lease documents; AgDirect/Financing Company shall receive up to the first $300 of such fee, and Dealer's share, if any, will equal the remainder of the fee disclosed on the AgDirect financing documents or FCL lease documents.

Types of Equipment AgDirect Finances

AgDirect financing is available for all types of equipment used in agriculture.

Tractors

Row crop tractors
Standard tractors
High Crop tractors
Utility tractors
Other tractors used in agriculture

Harvesters and Harvest Equipment

Combines
Forage harvester
Draper head
Corn head
Grain cart
Cotton picker
Windrower/swather
Other harvesters & harvest equipment used in agriculture

Other

Planters
Sprayers
Center pivots
Tillage equipment
Hay and Forage equipment
Skid loaders
Other equipment used in agriculture

The minimum amount that can be financed is $5,000 for a qualifying asset.

No matter how you buy ag equipment, AgDirect® can finance it.

AgDirect® can help you buy, lease or refinance equipment with attractive rates and farmer-friendly financing terms. We’ll help you choose the financing option that is right for you. Next time you need simple, fast and flexible equipment financing, ask for AgDirect.

AgDirect finances all types of ag equipment

Types of Financing

Available for Tractors, Combines, Sprayers and Other Equipment Used in Agriculture.

New Equipment

AgDirect offers highly competitive loan and lease options on new ag equipment. Whether you are looking for a combine or tractor loan, or to finance other farm equipment, we've got you covered.

Learn more >

Used Equipment

No matter how you buy used farm equipment -- through a dealer, auction, or private party -- AgDirect can help finance it, including two to seven year* terms and delayed payments (up to 15 months*).

Learn more >

Refinancing

AgDirect is one of the few lenders that offers refinancing on farm equipment loans. Free up working capital and improve your financial position, especially during periods of low interest rates.

Learn more >

* Subject to approval.

Learning Center

Agriculture is constantly evolving, which is why AgDirect® works to help you make the right decision for your operation when it comes to financing your next tractor, combine or other ag equipment.

Interest Rate Update
Interest Rate Update

Ask the expert series

Read more >
Purchase Plans and Leasing Agreements
Purchase Plans and Leasing Agreements

Asking the right questions before you buy.

Read more >
Planning Ahead for Planting Season
Planning Ahead for Planting Season

Trends in planter tech and equipment availability

Read more >
Section 179 Update
Section 179 Update

What you need to know in 2023

Read more >
Equipment Buying Trends
Equipment Buying Trends

Forecasting machinery purchases and financing activity in 2023

Read more >
AgDirect Celebrates 25 Years of Simple, Fast and Flexible Financing
AgDirect Celebrates 25 Years of Simple, Fast and Flexible Financing

Built for agriculture, powered by Farm Credit

Read more >
2023 Farm Show Calendar
2023 Farm Show Calendar

Choose AgDirect financing Powered by Farm Credit.

Read more >
Nurturing Long-Term Lender Relationships
Nurturing Long-Term Lender Relationships

How AgDirect delivers a superior customer experience

Read more >
Advantages of Farm Equipment Leasing
Advantages of Farm Equipment Leasing

Business, financial and tax benefits

Read more >
Leveraging Financing to Free Up Working Capital
Leveraging Financing to Free Up Working Capital

How AgDirect financing keeps Morwai Dairy moving forward.

Read more >
Private Party Purchases
Private Party Purchases

Finding and applying for financing

Read more >
AgDirect Digital Tools
AgDirect Digital Tools

Delivering on the promise of simple, fast, flexible.

Read more >
Used Equipment Outlook
Used Equipment Outlook

Trends, tips and financing considerations

Read more >
AgDirect Online Equipment Financing and Refinancing
AgDirect Online Equipment Financing and Refinancing

Apply online to purchase or refinance equipment

Read more >
Farm Machinery Auctions
Farm Machinery Auctions

Current trends and financing tips

Read more >
Trade-in Considerations
Trade-in Considerations

Is now the time to replace your machinery?

Read more >
Machinery Management Strategies
Machinery Management Strategies

Tips for calculating costs, creating a capital expenditure plan

Read more >
Leasing and Year-End Equipment Purchases
Leasing and Year-End Equipment Purchases

Make leasing part of your strategic plan

Read more >
Machinery Health & Financial Management
Machinery Health & Financial Management

Ask the expert series

Read more >
Financing Solutions for the Farmer-Dealer
Financing Solutions for the Farmer-Dealer

How one customer utilizes AgDirect for his equipment needs and shortline equipment sales

Read more >
Planning Your Next Equipment Purchase
Planning Your Next Equipment Purchase

Use these checklists before you buy

Read more >
Fraud Protection and Awareness
Fraud Protection and Awareness

Avoid online equipment scams

Read more >
Preparing for Auction
Preparing for Auction

Ask the expert series

Read more >
Refinancing with AgDirect
Refinancing with AgDirect

Improving cash flow, managing debt

Read more >
Equipment Financing for Every Aspect of the Farm
Equipment Financing for Every Aspect of the Farm

How AgDirect supports a diversified operation

Read more >
Choosing Your Equipment Financing Partner
Choosing Your Equipment Financing Partner

Comparing rates, terms and customer service

Read more >
Technology Showcase
Technology Showcase

Unveiling the latest in autonomous equipment

Read more >
Developing your Dealer-Lender Relationships
Developing your Dealer-Lender Relationships

Working together to anticipate machinery and financing needs

Read more >
New and Used Equipment Purchases
New and Used Equipment Purchases

Is now the time to buy?

Read more >
Leveraging Technology
Leveraging Technology

Adoption of precision ag equipment

Read more >
Financing Solutions
Financing Solutions

Structuring plans and managing risk

Read more >
Cover Crop Update
Cover Crop Update

Trends, costs and custom work

Read more >
Managing Working Capital
Managing Working Capital

Tips for measuring, monitoring and goal setting

Read more >
Loan and Lease Terms
Loan and Lease Terms

Understanding your equipment financing options

Read more >
Autonomous Equipment
Autonomous Equipment

The next frontier in farm machinery

Read more >
Finance Equipment Faster with eSign
Finance Equipment Faster with eSign

A simple, secure solution

Read more >
Simplify Equipment Financing with AgDirect Mobile
Simplify Equipment Financing with AgDirect Mobile

Calculate loan and lease payments anytime, anywhere

Read more >
Measuring Farm Equipment Efficiency
Measuring Farm Equipment Efficiency

Best practices for managing machinery costs

Read more >
Brand Loyal vs. Business-Minded
Brand Loyal vs. Business-Minded

What’s driving farm equipment preferences?

Read more >
Owning Machinery
Owning Machinery

Equipment purchase considerations during tight profit margins

Read more >
Investing in Precision Ag Equipment
Investing in Precision Ag Equipment

Getting the greatest return from technology

Read more >
Strip-till: What You Need to Know for your Farm
Strip-till: What You Need to Know for your Farm

Adopting strip-till starts by answering a simple question: Why?

Read more >
Cover Crops
Cover Crops

What You Need to Know for your Farm

Read more >
Managing machinery and its financing
Managing machinery and its financing

Managing machinery financing in volatile times

Read more >
Half-year leases
Half-year leases

Half-year equipment lease options

Read more >
Used inventory "washout cycle"
Used inventory "washout cycle"

Almost every machine on dealer lot represents potential sale.

Read more >
Buyer confidence, economic optimism growing
Buyer confidence, economic optimism growing

Major themes in the farm machinery market in recent years

Read more >
Used Combine Market
Used Combine Market

Used combine market saw some signs of life in late 2016

Read more >
Used Implement Market
Used Implement Market

Factors influencing the buying or selling of used implements

Read more >
Used Tractor Market
Used Tractor Market

Used tractor market is strengthening

Read more >
Online Machinery Auctions
Online Machinery Auctions

Online machinery auctions growing in popularity among farmers

Read more >
Buying Used vs. New Machinery
Buying Used vs. New Machinery

Used vs. new machinery: Ask all the right questions

Read more >
Women in Agriculture
Women in Agriculture

Women’s changing roles on the farm

Read more >
Owning Machinery vs. Custom Hiring
Owning Machinery vs. Custom Hiring

Own the Machinery or Custom Hire

Read more >
Machinery Benchmarking
Machinery Benchmarking

Key machinery benchmarks and how they can benefit you

Read more >
Operating Expense Ratio
Operating Expense Ratio

Measuring your financial health with the Operating Expense Ratio

Read more >
Farm Machinery Outlook
Farm Machinery Outlook

Machinery Financing Stable Despite Farm Economy Slowdown

Read more >
Farm Safety Checklist
Farm Safety Checklist

7 Tips to Keep your Farm Safe This Fall

Read more >
Working Capital
Working Capital

Consider Equipment Financing Options

Read more >

More Articles

AgDirect Territory Managers

Many areas of the country have an assigned Territory Manager who works with ag equipment dealers and ag producers for quoting and selecting the best financing solution. Customers who do not have a Territory Manager in their area are assigned an Inside Sales Representative from our Corporate Office.

Meet our Territory Managers – scroll left/right to view all.
Click to contact us or search to locate a local contact.

  • Ben M.

    “I teamed up with AgDirect because they understood my goals and fit my financing needs.”
    – Ben M. , Grain Producer

    See more

    Watch video

  • Dustin G.

    “AgDirect offers some really excellent programs and flexibility.”
    – Dustin G. , Livestock Producer and Part-Owner of Capital Tractor

    See more

    Watch video

  • Mike S.

    “AgDirect offers competitive interest rates, good terms and a painless application process.”
    – Mike S. , Logger

    See more

    Watch video